What We Write Commercial Property/Liability

CID has identified specific product lines that have been most successful for our brokers. These products represent the highest quote to submission and bind to quote ratios. You will find these products competitively priced and with broad coverage terms.

Don’t see what you are looking for? Please call 1-800-922-7283 or contact your underwriter for more information about additional classes of business.

Apartments

Target Clients:
  • Mixed use occupancies
  • No building age restrictions
  • New ventures and new purchases eligible
  • No building height restrictions
  • Package or mono-line general liability
  • Umbrella limits up to $25,000,000
  • Preferred to non-standard risk
Coverages:
  • Property
  • General Liability
  • Earthquake
  • Umbrella
  • Workers’ Compensation
Requirements:
  • Acord application submission
  • Building breakdown by units, square footage & building values
  • Currently dated 4 year loss runs
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Bar & Tavern

Target Clients:
  • Bars, taverns & sports bars
  • Microbreweries
  • Risks with gaming machines such as slot machines
  • Sale of food is 30% or less of total revenues
  • Games, dartboards & video games
  • No more than 2 pool or billiard tables
  • Dance floor or dance area up to 650 square feet.
  • Light entertainment or DJ not more than 2 times a week
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • General Liability
  • Assault and/or Battery
  • Liquor Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Beauty, Barber & Nail Salons

Target Clients:
  • Beauty/Barber shops located in private homes, shopping malls, hotels & health clubs
  • Cosmetologists, manicurists, massage therapists, estheticians, make up technicians
  • New ventures and new purchases eligible
  • Coverage can include independent contractors
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Professional Liability
  • Sexual/physical abuse sublimit available
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility:AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Builders Risk

Target Clients:
  • New construction projects or renovation of an existing structure
  • Risks with up to $5,000,000 in total project cost
Coverages:
  • General Liability
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Catering

Target Clients:
  • Caterers providing food & beverage service off premises
  • Halls lease to other for various functions
  • Motorized Food Trucks
  • Operations to supply tables, chairs, tableware & linens
  • Incidental service of maître d’s, bartenders, waiters, waitresses, busboys
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Assault or Battery
  • Liquor Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

CBD/Hemp

Target Clients:
  • All CBD and Hemp Risks
  • Dispensaries
  • Processors
  • Retailers
  • Distributors
  • Product Manufacturers
  • Edible Manufacturers
  • CBD Consultants
  • Product Testing Labs
Coverages:
  • General Liability
  • Excess Liability
Requirements:
  • See “Get Application” for specific form to complete
  • State Eligibility:  AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Child Care Commercial

Target Clients:
  • Licensed child care operations located in the owner’s home
  • Any size licensed commercial nursery, pre-school or Montessori schools
  • Before/After school programs are eligible
  • Commercial operation must meet state minimum staff –to-child ratios
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Umbrella Liability up to $5 million
  • Hired & Non-owned Auto Liability
  • Professional Liability
  • Abuse & Molestation
Requirements:
  • See “Get Application” for specific form to complete
  • State Eligibility:  AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Child Care Residential

Target Clients:
  • Licensed child care operations located in the owner’s home
  • Any size licensed commercial nursery, pre-school or Montessori schools
  • Before/After school programs are eligible
  • Commercial operation must meet state minimum staff –to-child ratios
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Umbrella Liability up to $5 million
  • Hired & Non-owned Auto Liability
  • Professional Liability
  • Abuse & Molestation
Requirements:
  • See “Get Application” for specific form to complete
  • State Eligibility:  AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Clothing Stores

Target Clients:
  • Clothing or wearing apparel for profit stores
  • Clothing or wearing apparel not for profit stores
Coverages:
  • Property
  • General Liability – Limits up to $5/$5 million
  • Theft coverage: Requires central station alarm
  • Theft coverage limitation
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “Get Application” for specific form to complete
  • State Eligibility:  AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Concessionaires/Vendors

Target Clients:
  • Street vendors, flea or farmers market operations
  • Kiosks, stands, tables, booths, seasonal lots & tents
  • More than 60 classed of business qualify
  • New ventures and new purchases eligible
Coverages:
  • Property
  • General Liability
  • Inland Marine
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “Get Application” for specific form to complete
  • State Eligibility:  AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Contractors Equipment

Target Clients:
  • Contractors Equipment provides broad property coverage for machinery, equipment and tools used by contractors. Equipment includes, but is not limited to, tractors, cranes, graders, forklifts, front-end loaders, backhoes, bulldozers, tools and similar equipment that is mobile.
Coverages:
  • Inland Marine
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, NV, OR

Contractors: General

Target Clients:
  • Commercial General Contractors
  • Commercial Remodeling General Contractors
  • Owner/Builder Acting as General Contractor
  • Commercial Paper Contractors
Coverages:
  • Property
  • Inland Marine
  • Contractors Liability
  • Blanket Additional Insured Coverage
  • Waiver of Subrogation Coverage
  • Contractors Pollution Liability
  • Crime
  • Medical Payments
  • Equipment Breakdown
  • Professional Liability
  • Excess Liability or Umbrella up to $25 million
Requirements:
  • See “applications” for specific form to complete
  • Available in CA, CO, OR, NM, NV & TX

Contractors: Artisan/Trade

Target Clients:
  • Small to medium size artisan contractors
  • More than 30 classes of eligible artisans
  • Engaged in construction of new commercial or residential structures
  • Maintenance, service, repair or remodeling of existing structures
  • Artisan entity performing 1 or 2 trades
  • Subcontracting no more than 25 – 50% in receipts
  • New and used contractors’ equipment owned or leased on a long-term basis
  • New ventures are eligible
Coverages:
  • Property
  • Inland Marine: Contractor’s Equipment
  • Contractors Liability
  • Blanket Additional Insured Coverage
  • Waiver of Subrogation Coverage
  • Contractors Pollution Liability
  • Professional Liability
  • Excess Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • Available in CA, CO, OR, NM, NV & TX

Contractors Pollution Liability

Target Clients:
  • Non-Environmental Contractors
  • Operators of non-environmental facilities
  • Environmental Contractors
  • Environmental consultants, engineers
  • Alternative energy contractors and consultants
  • New ventures and new purchases eligible
Coverages:
  • Contractors Pollution Liability
  • Contractors Liability: Environmental work
  • Professional liability
  • Inland Marine
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • See “applications” for specific form to complete
  • Available in CA, CO, OR, NM, NV & TX

Convenience, Deli & Grocery Stores

Target Clients:
  • Small to medium size businesses
  • Alcohol sales and gasoline sales acceptable
  • Businesses with commercial cooking
  • Propane
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Inland Marine
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • Available in CA, CO, OR, NM, NV & TX

Day Spas

Target Clients:
  • Eyelash extensions, ear piercing, hair stylists, nail technicians
  • Microblading and permanent makeup (up to 99% of operations)
  • Massage therapy, facials, make-up application
  • Tanning beds and spray booths
Coverages:
  • Property
  • General Liability
  • Excess or Umbrella limits up to $25 million
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: CA, NV, OR

Distributors

Target Clients:
  • Small to medium size businesses
  • More than 50 eligible classes of businesses
  • Refrigerated operations acceptable
  • Retail operations acceptable
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Electronic Stores

Target Clients:
  • Small to medium size businesses
  • Cell Phone Stores & Kiosks
  • Computer, radio, camera, stereo & appliance stores
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Entertainment, Games & Amusement

Target Clients:
  • Small to medium size businesses
  • More than 60 classes of businesses eligible
  • Amusement centers with multiple exposures
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Environmental Contracting & Consulting

Target Clients:
  • Environmental Contractors
  • Remediation or abatement of pollutants
  • Installation, removal or cleaning of storage tanks
  • Alternative energy contractors and consultants
  • Environmental consultants, engineers
  • Environmental assessments, lab analysis & permitting
  • New ventures and new ownership eligible
Coverages:
  • Contractors Pollution Liability
  • Contractors Liability: Environmental work
  • Professional liability
  • Inland Marine
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Family Dwellings 1-4

Target Clients:
  • Residential buildings with 1-4 units
  • Dwellings owned by individuals or entities for rental investment purposes
  • New ventures and new purchases eligible
  • Locations that are leased on an annual or seasonal basis
  • Owner-occupied buildings as long as one or more units are tenant occupied
  • Package or mono-line general liability (Property coverage not available in CA)
  • Can be written as a single location or on a schedule
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility:AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Fitness Centers

Target Clients:
  • Health & swim clubs, gyms, circuit training, yoga &pilates studio
  • Incidental massage or child sitting services
  • Computer, radio, camera, stereo & appliance stores
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Fidelity Business Services

Target Clients:
  • General Business Services – I.E.: Architects & Engineers, Business Consulting Services, Public Relations
  • Janitorial
  • Non-Profits/Charitable Organizations
  • Technology Companies
Coverages:
  • Employee Theft (Up to $1M in most states)
  • Computer & Funds Transfer Fraud
  • Money Orders & Counterfeit Currency
  • Additional coverages can be offered
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Fidelity Community Association

Target Clients:
  • Business Park Condominium and/or PUD
  • Community Associations
  • Condominium Associations
  • Homeowners Associations
  • Mixed Use
  • Planned Unit Developments
Coverages:
  • Employee Theft (Up to $5M)
  • Computer & Funds Transfer Fraud
  • Theft, Disappearance, & Destruction
  • Forgery & Alteration
  • Money Orders & Counterfeit Currency
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Fidelity Property Management

Target Clients:
  • Apartment Management Companies
  • Community Association Management Companies
  • Conventional Property Management Companies
Coverages:
  • Employee Theft
  • Computer & Funds Transfer Fraud
  • Forgery & Alteration
  • Money Orders & Counterfeit Currency
  • Additional coverages can be offered
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, WA

Golf Course

Home Based Business

Hotel & Motel

Target Clients:
  • No building age restrictions
  • New ventures and new ownership eligible
  • Package or mono-line general liability
  • Umbrella limits up to $5,000,000
Coverages:
  • Property
  • General Liability
  • Earthquake
  • Umbrella
  • Workers’ Compensation
Requirements:
  • Acord application submission
  • Building breakdown by units, square footage & building values
  • Currently dated 4 year loss runs
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Inland Marine Contractors Equipment

Target Clients:
  • Contractors Equipment provides broad property coverage for machinery, equipment and tools used by contractors. Equipment includes, but is not limited to, tractors, cranes, graders, forklifts, front-end loaders, backhoes, bulldozers, tools and similar equipment that is mobile.
Coverages:
  • Inland Marine
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NV, OR, PA, TN, TX, UT, WA

Inland Marine Miscellaneous Scheduled Items

Target Clients:
  • Coverage is intended for miscellaneous property owned by the insured that does not remain at a fixed location.
  • Examples would be lighting and sound equipment, portable medical equipment and DJ equipment.
Coverages:
  • Miscellaneous Article Blanket Coverage, is intended for unscheduled items.
  • Any item over $5,000 must be scheduled, all other items can be covered under the blanket coverage form.
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NV, OR, PA, TN, TX, UT, WA

Inland Marine Installation Coverage

Target Clients:
  • Covers personal property intended for installation in, or erected or fabricated at, buildings being renovated, upgraded or remodeled.
  • The insured is usually the contractor doing the installation and the property can be owned property or property of others in the insured’s care, custody or control.
  • Coverage is for any property that will become a permanent part of the project that is on the construction site, as well as at temporary locations and in transit.
Coverages:
  • Inland Marine
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NV, OR, PA, TN, TX, UT, WA

Inland Marine Motor Truck Cargo

Target Clients:
  • Steel & Lumber
  • Dry Grocery Items
  • Paper Products & Plastics
  • Baled Cotton
  • Containerized Freight
  • General Merchandise
  • Walmart/ Target Goods
  • Produce
  • Frozen Food (Ex: Shellfish)
  • Meat & Poultry (Ex: New Ventures)
  • Contractors
  • Equipment
  • Oilfield Equipment
  • Heavy & Light Machinery
  • Agricultural Products
Coverages:
  • Motor Truck Inland Marine
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, ID, MD, NM, NV, OR, PA, TN, TX, UT, WA

Janitorial Services

Target Clients:
  • Small to medium size businesses
  • Residential, office or mercantile locations
  • Subcontracting costs represent up to 25% of annual sales
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Land Leased to Others

Target Clients:
  • Land leased to others for the following purposes: animal grazing, athletic fields, auto sales lots, crop farming, equipment storage and/or vehicle parking and hunting
Coverages:
  • General Liability
  • Excess General Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Laundromat & Dry Cleaning Services

Target Clients:
  • Small to medium size businesses
  • Open 24 hours
  • With or without attendants
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Lessor’s Risk

Target Clients:
  • Mixed use occupancies
  • No building age restrictions
  • New ventures and new purchases
  • No building height restrictions
  • Package or Mono-line General Liability
  • Umbrella limits up to $5,000,000
  • Preferred to non-standard risk
Coverages:
  • Property
  • General Liability
  • Earthquake
  • Umbrella
  • Workers’ Compensation
Requirements:
  • Acord application submission
  • Building breakdown by units, square footage & building values
  • Currently dated 4 year loss runs
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Liquor Liability

Target Clients:
  • Adult clubs
  • Catering services
  • Clubs
  • Comedy Clubs
  • Convenience stores
  • Dinner theaters
  • Grocery stores & mini marts
  • Liquor stores
  • Restaurants, bars, taverns & nightclubs
  • Special events
  • New ventures and new ownership eligible
Coverages:
  • Liquor Liability
  • Assault or Battery
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Manufacturing

Target Clients:
  • Small to medium size manufacturers
  • Import exposure elgible
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Marijuana/Cannabis

Target Clients:
  • All Medical & Recreational Marijuana Risks
  • Dispensaries
  • Harvesters/Growers
  • Processors
  • Retailers
  • Infused Products Manufacturers
  • Edible Manufacturers
  • Cannabis Consultants
  • Product Testing Labs
Coverages:
  • General Liability
  • Excess Liability
Requirements:
  • See “Get Application” for specific form to complete
  • State Eligibility:  AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Martial Arts Studios

Target Clients:
  • Student instruction in self-defense techniques for a fee
  • Self-defense consist of Al Kido, Judo, Karate, Jiujitsu, and Tae-Kwon-Do
  • Instructors and owners certified to teach martial arts diciplines
  • New ventures and new ownership eligible
Coverages:
  • Student instruction in self-defense techniques for a fee
  • Self-defense consist of Al Kido, Judo, Karate, Jiujitsu, and Tae-Kwon-Do
  • Instructors and owners certified to teach martial arts diciplines
  • New ventures and new ownership eligible
Requirements:
  • See “Get Application” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Mobile Home Park

Target Clients:
  • Risks with up to 300 homes on site
  • Risks with swimming pools or playgrounds
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Nightclubs

Target Clients:
  • Nightclubs open at least 2 times a week
  • Entertainment if the featured attraction
  • Alcohol sales are 75% or greater
  • Adult clubs
  • Comedy clubs
  • Dinner theaters
  • Magic shows.
  • Light entertainment or DJ not more than 2 times a week
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • General Liability
  • Assault or Battery
  • Liquor Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Office Package

Target Clients:
  • Businesses providing professional services
  • More than 50 classes of business qualify
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & Non-owned Auto Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Parking Facilities

Target Clients:
  • Parking garages, open-air lots or private parking lots
  • Attendant on duty at all times while facility is open
  • Installed repaved or seal coated parking lot within the last 3 years
  • Requires 3 years prior insurance coverage
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Legal Liability for physical damage
  • Non-owned Auto Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Premises Only Package

Target Clients:
  • Risks who wish to only insure their premises exposure
  • More than 200 classes of business
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Production, Media & Broadcasting

Target Clients:
  • Film & video production
  • Recording, editing, pre/post production studios
  • Rental houses, performers, photographers, videographers and more
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Professional Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Residential Condo Investors

Target Clients:
  • Unit owner or corporate investor requiring premises liability
  • Unit owner or corporate investor requiring property coverage for improvements made, property owned, structure coverage and loss of income
  • Unit owner or corporate investor requiring financial assessment coverage
Coverages:
  • Property
  • General Liability
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, TN, TX, UT, WA

Restaurants

Target Clients:
  • Fine dining
  • Family dining
  • Fast Food
  • Risks with gaming machines such as slot machines
  • Dance floor with light entertainment
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • General Liability
  • Assault or Battery
  • Liquor Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility:  AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Retail Merchants

Target Clients:
  • Wide Variety of retail merchants
  • More than 100 classes of business
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Worker’s Compensation
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Schools

Target Clients:
  • Charter, private & academic schools
  • See specialty training schools for vocational exposures
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Abuse, Molestation & corporal punishment
  • Educators Professional
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Worker’s Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Special Events

Target Clients:
  • One-day, multi-day events and annual policies
  • More than 100 classes of business qualify
  • Coverage for volunteers, temporary or leased workers
  • Set-up and take-down coverage available
Coverages:
  • Property
  • General Liability
  • Liquor Liability
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Security & Patrol

Target Clients:
  • Security guard & patrol agencies that provide services to such businesses as offices, industrial buildings, retail establishments, construction sites, apartments, condos, townhomes, churches, warehouses, etc. We will consider armed security guards depending on their level of training and certification and scope of their operation.
Coverages:
  • GL
  • Property
  • Assault & Battery
  • Errors & Omissions
  • Lost Key Coverage
  • Property Damage Extension
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Sports Camps/Clinics/Leagues

Target Clients:
  • Art Instruction
  • Athletic Instruction
  • Dance Schools
  • Music Schools
  • Tutoring Centers
  • Drama/Theatre Schools
  • Business Schools
Coverages:
  • Property
  • General Liability
  • Professional Liability
  • Abuse or Molestation sublimit
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Specialty Training Schools

Target Clients:
  • Wide range of instructional schools
  • More than 50 classes of business qualify
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Professional Liability
  • Abuse or Molestation sublimit
  • Excess General Liability up to $5 million
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Surety Business Services

Target Clients:
  • Smaller entities with no more than 25 employees
Coverages:
  • Coverage limit up to $100,000
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, WA

Surety Commercial

Target Clients:
  • Attorneys
  • Insurance Agent/Broker
  • License/Permit
  • Mortgage/Title Companies
Coverages:
  • Coverage specific per Obligee and/or requested limit
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: AZ, CA, CO, ID, MD, NE, NM, NV, OR, PA, TN, TX, UT, WA

Tattoo & Body Piercing Shops

Target Clients:
  • Tattoo artists with 3 years’ experience or certificate of training
  • Body piercing artists with 3 years’ experience or certificate of training
  • Apprentice artists working with qualified mentors
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Professional Liability
  • Hired & non-owned auto liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Tobacco Shops

Target Clients:
  • Mono-line general liability or package
  • Electronic or vapor accessories sales
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Truckers Liability (No Commercial Auto)

Target Clients:
  • Trucking firms and express companies with less than 15% installation sales
  • Operates on a local, intermediate or long-haul basis
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Umbrella/Excess Liability

Target Clients:
  • Risks that meet eligibility on a primary basis
  • Primary underlying carrier is A.M. Best rated B++ or better
  • New ventures and new ownership eligible
Coverages:
  • Umbrella/Excess General Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Vacant Building

Target Clients:
  • Vacant buildings, leased space or condominium units
  • Partially vacant or 100% vacant structures
  • Occupied or unoccupied structures under renovation
  • Vacant land with no construction activity performed
  • Vacant land with no business or recreational activities
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Vacant Land

Target Clients:
  • Vacant land with no construction activity performed
  • Vacant land with no business or recreational activities
  • New ventures and new ownership eligible
Coverages:
  • Property
  • General Liability
  • Excess General Liability up to $5 million
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Valet Services

Target Clients:
  • Parking and Valet operators
  • Businesses that subcontract out valet services for patrons
  • Multiple valet service locations
  • New ventures and new ownership eligible
Coverages:
  • General Liability
  • Garage Keepers Liability
  • Workers’ Compensation
Requirements:
  • See “applications” for specific form to complete
  • Acord application submission is acceptable
  • State Eligibility: AZ, CA, CO, ID, MD, NM, NE, NV, OR, PA, TN, TX, UT, WA

Warehouses

Target Clients:
  • Private & public storage
  • Single & multiple interests
  • Mini-warehouses
  • Warehouses not otherwise classified
  • Other exposures: manufacturing, public showrooms, retail & wholesale operations
  • New ventures and new ownership eligible
Coverages:
  • Property: Building & business personal property
  • General Liability up to $5 million limits
  • Blanket additional insured
Requirements:
  • See “applications” for specific form to complete
  • State Eligibility: CA, CO, NM, NV, OR, TN, TX, UT